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Contributions to a Roth IRA can be withdrawn penalty free. Does the account have to be open 5 years for that or is it the money I put in have to had been in there for 5 years?
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Quick Google search says it’s the earnings where the 5 year rule applies.
definitely get some contributions in for 2023. You have until tax day 2024 to contribute to 2023
The Roth IRA five-year rule says you cannot withdraw earnings tax-free until it's been at least five years since you first contributed to a Roth IRA account. This five-year rule applies to everyone who contributes to a Roth IRA, whether they're 59 ½ or 105 years old.
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